First Time Homebuyer program

First Time Homebuyer program是面向Evansville，Indiana购房者的补助金。 HOPE of Evansville First-Time Homebuyer DPA — dollar-for-dollar match grant up to $10,000 for first-time homebuyers in Evansville city limits. <=80% AMI Vanderburgh County. Mandatory 'Live the Dream' course. True grant with no repayment. HOPE of Evansville's First-Time Homebuyer DPA matches the borrower's $1,000 contribution dollar-for-dollar up to a maximum of $10,000 (with some references citing up to $15,000 for higher-need families). Funds are provided as a true GRANT — no repayment, no recapture — for first-time homebuyers purchasing within Evansville city limits. Eligible uses include down payment, closing costs, and prepaid items. 资金来自Federal、HOME、CDBG和HOPE。

First Time Homebuyer program属于补助金，因此无需偿还。 触发还款的情形：None — true grant。 该援助以Grant — no lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

First Time Homebuyer program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Divorcees, owners of manufactured homes only, and those whose prior ownership was 3+ years ago may be exempt。 关于信用，该项目说明：Per first-mortgage product overlays。 须参加购房者教育课程，由HOPE of Evansville's 'Live the Dream' homebuyer education course (mandatory; $80 fee). Course completion does not guarantee assistance.提供。 居住要求：Property must be located within Evansville city limits and used as primary residence。 公民身份或移民身份：Per first-mortgage product overlays。 First-time homebuyer (3-year look-back); divorcees, owners of manufactured homes only, and those whose prior ownership was 3+ years ago may be exempt. Property must be within Evansville city limits and used as primary residence. Maximum sales price $219,000 existing / $255,000 (some pages cite $174,000-$255,000) new construction per Evansville DMD. Income at/below 80% AMI Vanderburgh County (range ~$17,450-$87,650). Mandatory $80 HOPE 'Live the Dream' course. $1,000 borrower contribution.

First Time Homebuyer program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at/below HUD 80% AMI Vanderburgh County (range ~$17,450-$87,650 across household sizes per current HUD limits). 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

First Time Homebuyer program将房价上限设为$319,000。 符合条件的房屋类型包括Single-family detached (existing or new construction)。 新建房屋符合条件。 预制房屋不符合条件。

First Time Homebuyer program服务于在Evansville，Indiana购房的购房者。

First Time Homebuyer program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Direct application through HOPE of Evansville after 'Live the Dream' course completion预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。